DKV EcoHogar, the first eco-friendly home insurance policy on the market.

Protect your home and take care of your family's and the planet's health with our home insurance.

  • Ecological products and services

  • Different modalities with the cover and services you need

  • SMS alert service for severe weather events

  • 24-hour home assistance, Handyman service and household appliances repairs

  • From €6/month

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All the advantages of your home insurance

Why choose DKV EcoHogar

Taking out the insurance

20% no-claims bonus

Video consultation and chat with specialists

Free IT assistance service, handyman and household appliance repair services.

salud del planeta

We take care of your home's health with ecological services and ecodraws

homes

A safe home with an SMS alert service for severe weather events.

All the details about DKV EcoHogar

We offer a wide range of solutions and safeguards to insure your home

Cover and services

DKV EcoHogar is the first environmentally-friendly home insurance. Not only does it give you the best cover, it also allows you to look after your surroundings and the environment.

We offer a wide range of solutions and safeguards to protect your home. Depending on the level of cover you need. Choose from the Plus, Complet, Basic and Incendios modalities.

 

Cover included in the home insurance

 

  • Material damage

    Caused to the building and/or content due to inclement weather, vandalism, floods, fires, leaks, breakage, etc.

  • Extension of guarantees

    We guarantee up to 100% of the insured amount for building or content against direct material damage to the insured property as a result of the aforementioned risks.

  • Water damage

    Caused by breakage or clogging of fixed water distribution pipes, floods from shut-off valves, overflowing from fixed refrigeration devices, water leaks and excessive water consumption.

  • Breakages

    Replacement and transportation and installation costs for windows, glass and mirrors, bathroom fittings, marble, granite and the glass top of kitchen hobs.

  • Civil liability

    Compensation for material damage and/or bodily harm involuntarily caused to third parties.

  • Cover for theft

    Provided that the building and the contents are insured, theft of furniture and belongings and damage caused to locks, doors, windows, floors, etc. will be covered.

  • Extension of coverage

    Garden damage, aesthetic restoration of the building and contents, breakage of electronic devices' screens, etc.

  • Legal protection

    Protection in the private life of the insured person and their family: third-party liability, utilities contracts, legal and criminal defence, legal proceedings in the event of illegal occupation of property and extrajudicial advice.

  • Medical phone lines

    Free medical advice through medical helplines: 24h DKV helpline, paediatric (SJD Hospital), childhood obesity, pregnancy, sports, nutrition, tropical and psycho-emotional.

  • Health services at reduced rates

    DKV Club Salud y Bienestar enjoy access to a catalogue featuring services such as assisted reproduction, myopia and presbyopia surgery and online parapharmacy, among others, at a reduced price.

Optional services

 

  • First-loss damage to the building

    First-loss damage to the building to complement the Residents' Association insurance.

  • Vehicles in garages

    Direct material damage to vehicles as a result of fire, explosion and/or lightning strike while they are parked inside the private garage of the insured property.

  • Extension of Civil Liability

    Possibility of increasing the capital insured for Civil Liability.

  • Second home

    If you would like to insure your second home, you will obtain a discount if your habitual home is already insured with us.

Cover and ecological services

DKV EcoHogar, the first ecological home insurance that takes care of your family's and home's health

  • Green home

    Prize draws  and discounts on the purchase of ecological products with a low environmental impact during their manufacture and that are not toxic for our homes. Take care of your health by taking care of the planet.

  • Safe Home

    The climate emergency is causing increasingly frequent and severe weather-related events. With DKV EcoHogar, you will receive an SMS 24 hours before the event starts with recommendations to protect yourself and your home.

  • Healthy Home

    The air we breathe in our homes can reach high concentrations of pollutants. In repairs we only apply non-toxic paint that does not damage the quality of your home's interior air.

  • Efficient Home

    We help you to install thermal insulation inside the blind's boxes with a multilayer, extra-thin technical and reflective insulation, at a discounted price.
    In addition, we are giving away 3 large household appliances with energy class A+++ to help you live in a more energy-efficient home.

Insurance modalities

We adapt to what you really need:

  • Plus Modality: Advanced insurance with the broadest cover, such as breakage of screens of technological devices, and cover limits.

  • Complet Modality: The best response to the most common risks and unforeseen events.

  • Basic Modality: Insure only the essential risks at the best price.

  • Fire Protection Modality: Only cover the requirements of the Mortgage Act.

Differential advantages

  • It is the first environmentally friendly home insurance. With DKV EcoHogar, in addition to enjoying the best cover, you will be taking care of your surroundings and the environment.

  • Wide Civil Liability and Legal defence cover:

  • Are you one of those people who doesn't know where to start when it comes to putting up curtains? We have the Handyman Service just for you! It's free, offering you professional help for a wide variety of household jobs.

  • IT Assistance: Do you need help with the technological advances? An expert will help you.

  • Repair service for household appliances without warranty and not older than 7 years old, with the call-out and labour costs covered.

Discover all DKV Ecohogar's additional services

Observatory on healthy and sustainable homes
DKV Health and Environment Observatory

Healthy homes, sustainable buildings

The characteristics of our home (temperature, human conditions, lighting and other physical factors, chemical substances, biological factors, comfort, ergonomics, etc.) can determine our health powerfully. Therefore, we must learn to make them healthier.

Any insurance policy must start with a commitment

Your home's health

Satisfied customers
We want your peace of mind

We protect your health inside and outside your home: cover for damage to property, civil liability and legal protection.

Online procedures through the app
Committed to health

Our insured customers' health is the most important thing. That's why we offer you medical helplines with specialists, second medical opinion and health and wellness services at very competitive prices.

Taking out the insurance
Savings in your domestic economy

We reward avoiding accidents with up to a 20% no-claims bonus on future payments.

Video consultation and chat with specialists
Advantages compared to other home insurance policies

Unique ecological solutions and advantages, a traditional home insurance. Handyman service for home repairs.

We take our customers' opinions very seriously

What do they think about DKV EcoHogar?

Testimonials reimbursement insurance abroad
24-hour service

When a pipe burst in the early hours, I was reassured by my DKV EcoHogar insurance, which has a 24-hour service. I just had to cut the water, clean and wait for the plumber.

Roberto Varela
Testimonials family
I protect my home and the environment

I am very conscious about environmental care, and I try to be consistent in everything I do. When I discovered DKV EcoHogar, I didn't hesitate in taking it out. In addition to protecting my home, this insurance provides discounts and facilities to make my home a more efficient space, saving energy and money on my bills.

Elena Sáenz
Testimonials reimbursement insurance travel
A handyman at home

Thanks to the DKV home insurance, I have a handyman service available for me. I live alone and the last time I tried to use a drill, I had a bad experience. Now, I only have to make use of the handyman service, which is free once a year.

Antonio Gómez

Frequently asked questions about home insurance

We resolve your most frequent queries about home insurance

Home insurance gives us peace of mind in the event of an incident affecting our home. Home insurance is a contract by which you protect your home (building) and its contents (furniture and belongings) from partial or total damage due to different causes.

Your home insurance cover will depend on the insured assets. In addition, home insurance includes civil liability cover that protects you financially if you are responsible for a claim that affects your neighbours. In general terms, home insurance protects you against fire, water or gas leaks, explosions, natural phenomena (storms, earthquakes, frost, floods, etc.) theft and assault, breakage of glass and furniture, etc.

Depending on the modality chosen, your home insurance will provide more or less cover for this type of damage. DKV Seguros guarantees the cover and compensation limits it is responsible for according to the category of the policy taken out by the policyholder in the specific conditions of the insurance contract. The general terms and conditions detail the cover and limits for each modality.
 

Our home is the place where we and our family live, and therefore it has to be a safe and comfortable place. Home insurance protects our home and its occupants from any damage, whether structural or to the goods it contains. Home insurance protects us financially against the risks to which our home is exposed.

Although we may believe that something is unlikely to happen, it is more common than we think: A water leak in a bathroom, a burst pipe, damage to an electrical installation, a very heavy storm, the boiler breaking down in the middle of winter. Home insurance is very useful for resolving these incidents, and it not only covers the expenses arising in your home, but also possible damages to third parties, in this case, your neighbours. In many cases, the cost of these repairs is, by far, much more expensive than your home insurance's annual premium.

When taking out home insurance, it is important to take into account the following factors: the value of the property, the type of property (if it is owned or rented, if it is an apartment, a semi-detached house, etc.), its location (to consider different risk factors, such as possible floods, frost or theft) and the cover you would like to add, as each insured person's needs are different. Therefore, a set of factors will determine the final price of your home insurance: the type of property, capitals contracted, province, constructed area, quality of the property's finishes and the property's security measures.

Provided that no claim is reported in relation to the home insurance, the insured person will receive the following bonus: 5% for a year with no claims, 10% for two years without claims, 15% in the third year and 20% when no claims have been reported in four years.

The indicated discounts will be applied on the net premium of the payment corresponding to the following annual period. In the event of making a claim, the period in which the incident takes place will be considered the first annual period.

Therefore, no discount will be applied upon renewal and the described sequence will restart. Nonetheless, if the insured person has not made a claim for at least three years, the discount loss as a result of

The responsibility that might correspond to the insured person, as a tenant of the insured property, when this is not his/her property. This cover is limited to the period of occupation. It includes also the responsibility demanded to the tenant by the owner, provided that the damage is the direct result of fire, explosion and damage caused by water, arising from acts or omissions by the insured tenant. It also includes the civil liability for tasks of ordinary maintenance performed in the property by the insured person.

If you are a tenant, it is also essential to have Civil Liability insurance (CL) to protect yourself against damages that you may cause to the property of the owner or third parties (neighbours, etc.). However, you must bear in mind that if, for example, there is a fire in the kitchen, in addition to the damages caused to your property, the lightwell or the other property's may be damaged due to the smoke. The injured third parties or their insurance companies will hold you responsible for the damages caused. Therefore, the most important form of cover is CL insurance, which is included when you insure the contents of your home. When you do so, you must value your personal belongings as well as the items under your responsibility in the home. In other words, you must include all the contents of the home including fixed kitchen furniture.

Yes, it is very important. By insuring the buildings, the policy will cover you, as the homeowner, for property civil liability against the tenant and third parties, as well as all the guarantees, such as fire, water damage, burglary, etc.

The best thing is to make the change upon its renewal. You have to notify your insurance company that you want to cancel your policy with one month's notice. Once you have completed this procedure, you can take out your new home insurance policy, indicating the date on which you want it to become effective, so you are always protected and do not pay extra.

Yes. You are not required to take out home insurance with the bank that you signed the mortgage. You can choose freely with which insurance company you want to take out the insurance for your home.



See more frequently asked questions about home insurance

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